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First Commonwealth FinancialFCF -1.03%71 Debt-to-Equity is 0.10 as of Mar. 2026, which is 76% below its 10-year median of 0.41. GuruFocus rates FCF with a GF Score™ of 71/100 and a GF Value™ of $17.63 (Modestly Overvalued). The stock has 6 warning signs investors should review. Among 1,423 Banks companies, First Commonwealth Financial ranks better than 88.26% on this metric.
A high debt to equity ratio generally means that a company has been aggressive in financing its growth with debt. This can result in volatile earnings as a result of the additional interest expense.
The historical rank and industry rank for First Commonwealth Financial's Debt-to-Equity or its related term are showing as below:
FCF'
s Debt-to-Equity Range Over the Past 10 Years
Min: 0.1 Med: 0.41 Max: 2.08
Current: 0.1
During the past 13 years, the highest Debt-to-Equity Ratio of First Commonwealth Financial was 2.08. The lowest was 0.10. And the median was 0.41.
FCF's Debt-to-Equity is ranked better than 88.26% of 1423
companies
in the Banks industry
Industry Median: 0.56
vs FCF: 0.10
First Commonwealth Financial (NYSE:FCF) Debt-to-Equity Explanation
Because a company can increase its ROE % by having more financial leverage, it is important to watch the leverage ratio when investing in high ROE % companies.
First Commonwealth Financial Debt-to-Equity Related Terms
First Commonwealth Financial Debt-to-Equity Historical Data
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
For the Banks - Regional subindustry, First Commonwealth Financial's Debt-to-Equity, along with its competitors' market caps and Debt-to-Equity data, can be viewed below:
* Competitive companies are chosen from companies within the same industry, with headquarter located in same country, with closest market capitalization; x-axis shows the market cap, and y-axis shows the term value; the bigger the dot, the larger the market cap. Note that "N/A" values will not show up in the chart.
First Commonwealth Financial Debt-to-Equity vs Banks Industry
For the Banks industry and Financial Services sector, First Commonwealth Financial's Debt-to-Equity distribution charts can be found below:
* The bar in red indicates where First Commonwealth Financial's Debt-to-Equity falls into.
* For Operating Data section: All numbers are indicated by the unit behind each term and all currency related amount are in USD. * For other sections: All numbers are in millions except for per share data, ratio, and percentage. All currency related amount are indicated in the company's associated stock exchange currency.
First Commonwealth Financial (FCF) has a Debt-to-Equity of 0.10 as of Mar. 2026. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Commonwealth Financial and its competitors. This is 76% below median its historical median of 0.41. Over the past decade, First Commonwealth Financial's Debt-to-Equity has ranged from 0.10 to 2.08. According to the industry distribution chart, First Commonwealth Financial ranks #167 out of 1423 companies in the Banks industry, placing it in the top 11.7%.
Is First Commonwealth Financial's Debt-to-Equity too high?
First Commonwealth Financial's current Debt-to-Equity of 0.10 is 76% below median its 10-year median of 0.41. Over the past 10 years, this metric has ranged from a low of 0.10 to a high of 2.08. The Banks industry median Debt-to-Equity is 0.56. First Commonwealth Financial's value of 0.10 is 82.1% below this industry median. Based on the distribution chart, First Commonwealth Financial ranks #167 out of 1423 companies in the Banks industry, which is in the top quartile — a strong position relative to peers. Overall, First Commonwealth Financial has a GF Score™ of 71/100 and is considered Modestly Overvalued, reflecting its overall financial health beyond just this single metric.
How does First Commonwealth Financial's Debt-to-Equity compare to OFG and NBHC?
According to the Banks industry distribution chart, First Commonwealth Financial ranks #167 out of 1423 companies for Debt-to-Equity. This places First Commonwealth Financial in the top 12% of its industry — outperforming the majority of peers. The industry median Debt-to-Equity is 0.56. First Commonwealth Financial's value of 0.10 is 82.1% below this benchmark. Historically, First Commonwealth Financial's own Debt-to-Equity has ranged from 0.10 to 2.08 over the past decade. While the company's 10-year median is 0.41 vs. the industry median of 0.56, First Commonwealth Financial has consistently been below the industry average. See the competitive comparison table and distribution chart on this page for a detailed peer-by-peer breakdown.
What is a good Debt-to-Equity for a Banks company?
The median Debt-to-Equity among Banks companies is 0.56, based on 1,423 companies in the industry. Companies in the top quartile (top 25%) have a Debt-to-Equity significantly above this median, while those in the bottom quartile fall well below. However, Debt-to-Equity should not be evaluated in isolation — investors should consider it alongside profitability, growth, and financial strength metrics. First Commonwealth Financial's current Debt-to-Equity of 0.10 is 82.1% below the industry median. Use the industry distribution chart on this page to see where any company falls relative to its peers.
What does a high Debt-to-Equity mean?
A high Debt-to-Equity can signal that a stock is expensive relative to its fundamentals. Debt-to-Equity ratio represents the ratio of total debt to total company equity. View historical data on First Commonwealth Financial and its competitors. For the Banks industry, the median Debt-to-Equity is 0.56 — values significantly above this may indicate overvaluation, while values below may suggest a bargain or underlying issues. First Commonwealth Financial's current Debt-to-Equity is 0.10, which is 76% below median its own 10-year median of 0.41. However, context matters — high-growth companies often justify higher valuations. Always evaluate alongside other metrics like GF Score™ and GF Value™.
Is First Commonwealth Financial stock overvalued right now?
Based on GuruFocus' analysis, First Commonwealth Financial (FCF) is currently considered Modestly Overvalued. The stock's GF Value™ is $17.63, compared to a current price of $21.12 — trading 19.8% above its estimated fair value. The current Debt-to-Equity is 0.10, which is 76% below median its 10-year median of 0.41 and 82.1% below the Banks industry median of 0.56. First Commonwealth Financial's overall GF Score™ is 71/100 with 6 warning signs to review. Investors should evaluate multiple metrics — including profitability, growth, and financial strength — before making a decision.
How is Debt-to-Equity calculated?
Debt-to-Equity is calculated from a company's financial statements. For First Commonwealth Financial (FCF), the current Debt-to-Equity is 0.10 as of Mar. 2026. GuruFocus calculates this using data sourced from SEC filings and annual reports. See the calculation section and 30-year financial data on this page for the full breakdown.
Is First Commonwealth Financial (FCF) Overvalued in 2026?
Based on GuruFocus' analysis, First Commonwealth Financial stock appears to be overvalued.
The current stock price of $21.12 is trading 19.8% above its estimated GF Value™ of $17.63.
GuruFocus considers First Commonwealth Financial to be Modestly Overvalued.
Key valuation signals for FCF:
Debt-to-Equity: 0.10 (76% below median its 10-year median of 0.41)
GF Value™: $17.63 vs. price of $21.12 (19.8% above fair value)
Industry Position: 82.1% below the Banks median (#167 of 1423)
No single metric tells the full story. See the FCF stock analysis page for a complete view including 30-year financials, guru trades, and insider activity.
First Commonwealth Financial Corp functions in the financial services sector in the United States. Through its subsidiary, it offers a range of consumer and commercial banking services such as personal checking accounts, interest-earning checking accounts, savings accounts, insured money market accounts, investment certificates, fixed & variable rate certificates of deposit, and various kinds of loans. It also provides trust and wealth management services and offers insurance products. The company earns the majority of its revenue through net interest income.
71GF Score
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